Medicare is an insurance plan by the U.S. government that subsidizes treatment costs for citizens who are 65 or above. They also extend these services to those below this age who have disabilities or are at end-stage renal disease. However, the program does not cover all their treatments. There are still a few services that will need you to get an alternative payment method, such as the Medicare Advantage plan enrollment:
1. Out of U.S. health coverage
Since Medicare only works for residents of the United States, it may not assist you when you go to seek treatment overseas. However, with part B Medicare coverage, you can get some benefits, especially if you temporarily live outside the US. You can also enroll in Patient Assistance Programs or work with your private insurer to help you sort the medical bills.
2. Prescription drugs
Medicare can supplement your prescription drug payment if you enroll for Medicare Part D. You will need to pay monthly premiums for your desired plan. Your insurer will then help you pay for the prescribed medication. Patient assistance programs (PAPs) also help people with no insurance or those underinsured to pay for their drugs. These plans mostly come from pharmaceutical companies, governments, and NGOs. You have to enroll in the PAP that suits your prescription, and when you pass the eligibility criteria, they will subsidize the price or pay the entire cost.
3. Routine eye exams
General Medicare doesn’t cover routine eye care sessions, prescription glasses, or contact lenses. You have to subscribe to another recognized insurance scheme like Aetna Health Insurance, which can help foot that bill. You will agree with your insurer on the premiums and the extent to which they will assist in payments. However, general examinations for you and your family may come at no copayment cost.
4. Hearing aids
Hearing aids cost a fortune, and not everyone can afford a pair. However, since they are not part of primary treatment, they do not get subsidized by Medicare. You need the assistance of a company like United HealthCare Medicare to meet the cost of ear examinations and hearing aids. This allows you a broad spectrum of specialists that you can consult and a three-year warranty on your hearing aid.
5. Routine dental and dentures
Your annual dental exams shouldn’t be a headache because of their cost. Since they are not under general Medicare coverage, you can enroll in UnitedHealthCare Medicare. Here you will get several options of dental packages with as little as $0 copayment options. At Aetna Health Insurance, you can also get a suitable package for you and your family. Their direct plan covers all preventative care costs with no out-of-pocket cost.
6. Long term care
Since long-term care primarily doesn’t involve medical treatment, it doesn’t fall under the things covered in Medicare. However, you can use Medicaid to help you bridge this payment gap or turn to a private insurance company. You should employ assistance for people with a chronic disease or disability since such services may cost a fortune. You can also check your loved one into a nursing home or an assisted living facility or use the help of friends and family members to help take care of the patient.